Pet liability insurance, also known as dog bite insurance, protects you in case your dog bites or injures someone outside of your family or household. There are no breed specifications; in fact, pet insurance is a great idea for all dogs, no matter the age or breed. If you’re on the fence about whether you need pet liability, here are a couple of reasons you may need it.
Homeowner’s Insurance Exclusions
While some homeowner’s insurance and renters policies include animal liability, there are sometimes exceptions. Often, these are breed exclusions. Some of the most common breeds excluded are:
- Pit Bulls
- German Shepherds
Some policies may have a more extensive list. Always check first.
State Law and Landlord Requirements
Some property owners may require that you have pet liability insurance. In this case, you will have to bring them proof of your insurance before you sign the lease or move into your place. Then, you have to add the landlord as one of the insured parties.
In other cases, the state may require you to have insurance. If you aren’t insured and your dog bites someone, not only will you be liable for damages, but you may also suffer fines.
It’s always better to be safe than to worry about fines or damages in the future. Even if your dog accidentally injures someone, you could still be liable.